SUBSCRIBE
Home Blog Page 58

How Freelancers Are Using Crypto and Virtual Cards to Power New Income Streams

ABC Staff
-
0
How Freelancers Are Using Crypto and Virtual Cards to Power New Income Streams

In today’s shifting economy, freelancers are under increasing pressure to make the most of every pound earned. Many are rethinking not just how they work—but how they get paid, save money, and manage financial uncertainty.

Many independent workers investigate cryptocurrency payments together with modern digital tools to simplify their cross-border income receipt. The emergence of virtual payment cards provides a wise connection between digital wallets and physical transactions.

The Actual Worth of Receiving Payments in Cryptocurrency

International clients present promising prospects while generating various complications through their use because they cause high bank fees and conversion losses as well as delayed transfers. Crypto provides users with a solution to most payment challenges which results in faster income access and higher earnings retention.

Freelancers who transition to crypto payment methods experience substantial savings that reach 5% per transaction while receiving their funds at a faster pace. Fast access to money remains vital in this field because it directly affects cash flow management.

Digital payments need to be usable without any limitations

Digital earnings are useful only when you can actually spend them.

The reason many freelancers use virtual cards specifically made for digital earnings today. Digital tools enable freelancers to transform cryptocurrency into local currency instantaneously which allows them to:

– Make business purchases

– Cover everyday expenses

Freelance professionals benefit from organized tax documentation and financial management through this system.

Funds become immediately available for spending without requiring transfer delays or manual cash-outs.

Crypto Meets Productivity: The Freelance Advantage

The combination of cryptocurrency payment systems with modern workflow solutions has transformed into a powerful strategy. The combination of AI tools helps freelancers automate their work while increasing speed and output so they can accept additional clients or provide higher-tier services. This article explores that in more detail.

The combination between expedited earnings and efficient workflows gives freelancers an important competitive advantage within the growing global market.

Start Small, Grow Smart

You don’t need to overhaul your system overnight. Most freelancers begin by doing two things:

– Select clients must pay in cryptocurrency
– Virtual card usage enables controlled financial spending.
– Clear tracking and recording of every transaction must be maintained
– HMRC provides guidance to freelancers about taxes which they should monitor

When freelancers use appropriate financial tools they establish payment systems that serve their needs instead of harming them.

Final Thought

The nature of work continues to transform together with payment methods. Freelancers who want to progress beyond traditional payment systems should explore cryptocurrency together with virtual payment cards since they deliver more than simple convenience. The tools enable financial stability together with adaptability and independence in the modern financial environment.

Decentralized Wallets and the New Face of Secure Online Interaction

Claire James
-
0
Decentralized Wallets and the New Face of Secure Online Interaction

In a world where privacy and digital ownership are increasingly important, the advent of decentralized tools is changing the way in which many of us interact with the online world. Decentralized wallets lie at the heart of this shift—using blockchain technology to alter the face of online safety.

Instead of giving personal information to centralized entities that keep it all in one place, people now have the power to look after their own digital assets. This is not simply about embracing cryptocurrency culture for the sake of it—done right, this approach really is a far safer alternative to traditional methods.

Why Decentralized Wallets Matter

Picture decentralized wallets as the electronic equivalent of having a safe in your own home rather than a deposit box at your local bank. You can store your cryptocurrencies and NTFs and access them whenever you want. This wouldn’t be possible with a conventional deposit box. You’d only be able to access it in the ways the bank decided to permit, at times that were convenient to them, and after passing whatever security checks that they decided to implement in order to verify your identity.

These wallets do not rely on any central authority to check the identities of people accessing them. Instead, they rely on cryptographic keys to control access. If you have the key, you can do anything you like with the funds; if not, you can’t. It’s as simple as that. Imagine, for example, that you wanted to top up your account at an online casino. If you were relying on a bank for that, you would need to contact them, verify your identity, authorize the payment, then wait for them to actually move the funds. This can be a pretty tedious process, especially when it interrupts what was supposed to be your leisure time.

By contrast, transferring funds to a crypto casino using a digital wallet is something you can do entirely by yourself. You don’t have to disclose where you are sending the money to anyone, which is ideal because a lot of people prefer to keep their gambling sessions private. You also don’t have to worry about lengthy security checks, which can be especially annoying if you are trying to transfer money abroad. You are the only one who gets to decide whether the payment goes through. If you are topping up your account at a crypto casino in Australia, you can just get on with it, without wondering if somebody at your bank will end up putting the transaction on hold until you verify your identity with them.

Crypto casinos offer the same kinds of games and fun experiences that a standard digital casino provides, but with the added benefit of extra security and the decentralization bonuses discussed above – making them a pretty clear win for a lot of people.

More Than Just Security—It’s About Experience

Security is important, but it’s not the only thing that matters. Convenience is important too, and a system isn’t likely to see much use unless it is also designed well and offers a user-friendly experience. As such, crypto platforms that focus on providing excellent customer service and making their interfaces as intuitive as possible will tend to succeed.

Using crypto casinos as an example again, you’ll see how much focus is placed on ensuring their interface is as smooth and streamlined as it can be. These days, online casinos can’t just focus on making their websites function on desktops or laptops. Mobile gamers make up a massive part of the online casino’s members and adopting mobile-friendly design principles into their platform is often a priority.

A New Standard for Secure Play

In an increasingly interconnected and digital world, understanding online safety and how to maintain your privacy is more important than ever. That’s true almost regardless of what you are doing online, but it is especially important in areas that relate to moving money around, hence why many people naturally equate the blockchain with cryptocurrencies, even though it does have uses outside of finance.

The ability to verify information without needing to place trust in a central authority that could potentially be tampered with has had massive impacts on the digital world in general. The philosophy of decentralization has spread through a large variety of industries, from gaming to healthcare, and in doing so, has changed the way we interact with each other online. Web3 approaches are becoming increasingly popular all across the internet, and people are constantly searching for new ways to utilize blockchain technologies to make their systems more secure.

This has led to a vast surge in the number of cryptocurrencies being created, each with minor differences that help distinguish them from the ones that came before… Take Ethereum and its ability to create smart contracts for example. This was quite an important addition to the simpler but more limited approach that Bitcoin launched with.

Still, despite that, many people prefer to stick with Bitcoin as the largest and best-known cryptocurrency, and if you’re looking for a good digital wallet for Bitcoin in particular, then this guide is a great place to start. Or, if you just want to learn more about decentralized systems in general, here are a few of the core concepts to be aware of:

Feature What It Does Why It Matters
Decentralized Wallets Store crypto securely with user-only access Keeps control in your hands
Smart Contract Allows automatically enforceable contracts to be created Removes another aspect where a centralized authority would once have been needed.
Blockchain Integration Powers fair and tamper-proof systems Ensures transparency and fairness
Crypto exchanges Stores and trades in digital currencies Allows for easier exchange of currencies

 

Automated vs. Manual Browser Testing: Which is More Effective?

Claire James
-
0
Automated vs. Manual Browser Testing: Which is More Effective?

A study by Google shows that if a website takes longer than three seconds to load, over 50% of mobile users will leave, and nearly 9 out of 10 users will not revisit after a negative experience. Bugs, slow performance, and browser compatibility issues drive users away. Browser testing helps catch these problems early.

Browser testing ensures an online platform works across different browsers, devices, and screen sizes. This can be performed in two ways, which are automated browser testing and manual browser testing.

Which is more effective? It depends on project complexity, budget, and deadlines.

Often, a hybrid approach combining automation for speed and manual testing for accuracy works best.

In this article, let us learn more about this.

Understanding Manual Browser Testing

Manual browser testing is the process of evaluating an online platform by interacting with it directly, just like a real user would. Testers follow predefined test cases or checklists to verify functionality, layout, and performance across different browsers and devices. Unlike automated testing, manual testing relies on human observation to catch issues that scripts might overlook.

Process of Manual Browser Testing

  1. Defining Test Cases – Testers create detailed scenarios covering key features and user flows.
  2. Executing Tests – They manually navigate through the platform, checking functionality, responsiveness, and usability.
  3. Identifying Issues – Testers log bugs, inconsistencies, and visual defects.
  4. Exploratory Testing – Beyond scripted tests, testers interact freely with the platform to find unexpected issues.
  5. Reporting and Feedback – Findings are documented and shared with developers for fixes.

Advantages and Disadvantages of Manual Browser Testing

Advantages Disadvantages
Detects subtle UI differences that arise from how various browsers render pages. Time-consuming when testing across multiple browsers and operating systems.
Uncovers usability issues and interactive quirks that only a human eye can spot. Difficult to consistently replicate exact testing conditions across environments.
Offers a realistic perspective on how actual users experience the site across browsers. Increased risk of human error and overlooked inconsistencies when tests are repeated.

Exploring Automated Browser Testing

Automated browser testing uses scripts and testing frameworks to check an online platform’s functionality across different browsers and devices. Instead of manual interaction, tests run automatically, following predefined steps. This speeds up testing, reduces human error, and enables large-scale execution.

Tools and Technologies

Popular automation testing tools and  frameworks for automated browser testing include:

  • Selenium – Supports multiple programming languages and browsers.
  • Cypress – Fast and developer-friendly, with real-time debugging.
  • Playwright – Designed for modern web apps, supporting multiple browsers with a single API.

Advantages and Disadvantages of Automated Browser Testing

 

Advantages Disadvantages
Executes tests rapidly across a broad matrix of browsers and operating systems. May miss visual discrepancies and design nuances that affect user perception.
Maintains consistency in test conditions, making it easier to spot browser-specific regressions. Tests can be brittle—minor browser updates or rendering changes may cause false negatives.
Scales efficiently to cover both modern and legacy browsers, reducing manual overhead. Requires ongoing maintenance to adapt to evolving browser standards and behaviors.

4 Best Practices for Seamless Browser Testing

Create a Real-World Testing Environment
Use virtual machines or Docker to mirror your production setup. A well-isolated test environment ensures accurate results and fewer surprises after deployment.

Stay Ahead of Browser Updates
Browsers change fast—your tests should too. Maintain a browser matrix covering key versions and use cloud-based platforms to test across multiple browsers without extra infrastructure.

Automate Testing in CI/CD
Integrate tools like Selenium, Cypress, or Playwright into your CI/CD pipeline. Automated testing catches issues early, speeds up releases, and prevents last-minute fixes.

Monitor and Update Regularly
Testing isn’t a one-time task. Track test results, update scripts as your app evolves, and ensure compatibility with new browser updates to keep everything running smoothly.

Conclusion

Both manual and automated testing bring distinct advantages. Manual testing is essential for capturing nuanced usability and visual issues, while automated testing delivers the speed, scalability, and consistency required for large-scale regression tests.

HeadSpin’s platform seamlessly integrates manual, automated, and browser testing capabilities. It provides comprehensive real-world insights with advanced KPIs and 360-degree performance visibility. This unified approach enables organizations to optimize digital experiences across mobile, browsers, and beyond, reducing testing time and enhancing overall user satisfaction.

Online Gaming Sites Introduce Features Aimed at Boosting Player Engagement

Claire James
-
0
Online Gaming Sites Introduce Features Aimed at Boosting Player Engagement

Online casino slot machines have many characteristics. These are volatility, bonus options, and the size of the winnings. Some slots can make the player a millionaire from the first try.

Gold of Maya

This slot machine for Memo Casino UK is dedicated to the well-known ancient civilisation. The peculiarity of the game is high volatility. The payout percentage is 96.6%. The grid of drums is divided into 5 columns. Here you can catch various masks of shamans, as well as nominal playing cards, which give minimum payouts. Users will have the opportunity to win big odds due to several prize options.

Firstly, gamblers are offered up to 15 free spins, which can be opened by scatters. There is also a progressive multiplier, which opens in a respin. In addition, cascading spins will be launched, which are paid by the maximum multiplier. The main features of Gold of Maya are four different jackpots that can be won with different prize combinations.

The Lion

This slot machine for non UK slot sites is all about lions and other members of the feline family. The main character, by the way, is similar to the character from the cartoon of the same name. As symbols are provided pictograms, various skulls, wild symbols and scatter. The scatter card triggers free spins. At the same time, during free spins, the main character can turn into an adult and thus expand to several cells at once. There are several combo options in the slot. With their arbitrary appearance on the screen, additional free spins.

HotLife

In this slot machine something of its own will find fans of the game GTA. It is about the virtual world, the external similarity, fonts and colour scheme. It feels like the user gets into the famous Vice City. The main images are various cars, boats, helicopters and other types of transport. The top card is a helicopter. If three aircraft appear on the field, the user will have the opportunity to play 10 paid scrolls. In this round appear so-called sticky wilds. If the symbol falls on the field, it will stick in its place for a few more scrolls forward.

The provider offers to play a large jackpot. The prize amount is divided into four groups. To compete for mega winnings in the form of a six-figure sum, the gambler needs every spin in the emulator to do so on all lines and in maximum denominations.

Burning Power

This slot machine belongs to the category of fruity classics. On the grid of five drums and four rows appear up to 20 images. We are talking about sevens, bells, plums, cherries and bunches of grapes. The most expensive ones include the wild symbol cards and the scatter image. The Wild card is capable of replacing other pictograms with identical ones. However, the scatter is able to open free spins, as well as give an additional x3 multiplier on the bet made.

By the way, you can take the free spins on registration no deposit UK bonus. This will help you start fighting for cash winnings for free.

Book of Symbols

The provider could not avoid the theme of Ancient Egypt. In the thematic slot gambler waiting for modern graphics, the payout percentage exceeds 96.4%. In this slot machine 5 reels are presented. Standard symbols are complemented by wild and scatter. With the help of these pictures, you can activate additional options. For example, the user can launch up to 10 paid spins. In this round, third-level bonuses appear. Wilds begin to expand to neighbouring cells. New scatters are able to bring additional free freespins, and therefore the round can be extended almost without restrictions, and you can regularly spin the slot for free.

Rising Application Standards Push Students to Craft More Impactful UC PIQs

Claire James
-
0
Rising Application Standards Push Students to Craft More Impactful UC PIQs

Working as a college admissions officer at a top-tier Ivy League school involves reviewing countless application essays and personal statements. The most memorable candidates aren’t always those with perfect GPAs or flawless extracurriculars—though those certainly help—but rather the ones who could make their story jump off the page. 

When it comes to the UC system’s Personal Insight Questions (PIQs), that’s exactly what applicants need to do: craft responses that stand out without feeling forced or overly polished. It’s all about balance.

What Is UC Looking For?

Before drafting responses, it’s essential to understand what UC schools value. While strong test scores—boosted by resources like SAT private tutoring—and AP classes don’t hurt, admissions officers are equally interested in who applicants are outside the classroom. 

The UC system prioritizes diversity, creativity, and a passion for making an impact. Academic excellence matters, but so does personal growth and how students have navigated challenges.

One standout essay came from a student who didn’t have the highest test scores but wrote compellingly about organizing food drives in her community. Her response was genuine, humble, and impactful—qualities that set her apart from applicants who relied on generic leadership narratives. Authenticity made the difference.

Choosing the Right Questions

With eight UC PIQ prompts to choose from (and only four required responses), the key is selecting those that best showcase an applicant’s unique experiences. Rather than picking questions at random, applicants should focus on prompts that align with their proudest achievements or most formative challenges.

A balanced approach works best. Selecting four questions solely about academics—like improvements from SAT private tutoring—or personal struggles can make an application feel one-dimensional. Instead, mixing topics—such as highlighting leadership in a club while also reflecting on a personal obstacle—paints a fuller, more compelling picture.

Starting Early Matters

Procrastination is tempting, but giving PIQs ample time leads to stronger, more polished responses. Rushed essays often feel mechanical, as if the applicant simply checked a box rather than engaging deeply with the prompt.

Brainstorming is a helpful first step. Jotting down initial thoughts for each potential question—without worrying about perfection—allows ideas to flow freely. This is the same approach that works for SAT private tutoring: breaking down big goals into manageable steps. Later, those rough notes can be refined into structured, thoughtful answers.

Authenticity and Specificity Are Key

Many students make the mistake of writing what they think admissions officers want to hear. But overly polished responses often come across as insincere. Instead, writing in a natural, conversational tone—as if explaining experiences to a friend—makes a stronger impression.

Specificity elevates responses further. Rather than stating, “I improved my SAT scores through hard work,” a stronger answer might describe how SAT private tutoring helped identify weaknesses and develop targeted strategies, leading to a 200-point increase. Concrete examples bring stories to life.

Reflecting on Growth

The most memorable PIQ responses don’t just describe achievements—they explore how those experiences shaped the applicant. For instance, an essay about overcoming test anxiety with the help of SAT private tutoring becomes far more compelling when it includes reflections on perseverance and newfound confidence in academic challenges. Admissions officers appreciate seeing self-awareness and personal evolution.

Tone Matters

While PIQs should maintain a professional tone, they don’t need to be overly formal or stuffed with sophisticated vocabulary. Striking a balance between conversational and polished works best. Humor can be effective in small doses, but overdoing it risks undermining sincerity.

Revision Is Essential

Strong PIQs aren’t written in one draft. Setting responses aside for a day or two, then revisiting them with fresh eyes, often reveals areas for improvement. This mirrors the process of SAT private tutoring, where practice and refinement lead to mastery. Asking a trusted teacher, mentor, or family member to review drafts can also provide valuable feedback—though applicants should ensure their own voice remains central.

Connecting Experiences to Future Goals

Strong PIQ responses don’t just look backward—they also look forward. Admissions officers want to see how an applicant’s experiences—whether through SAT private tutoring, community service, or personal challenges—prepare them for their goals at UC. Whether aspiring to conduct research, pursue the arts, or engage in social justice work, tying personal stories to future ambitions creates a cohesive narrative.

Final Thoughts

Standing out in UC PIQs isn’t about choosing the “right” prompts or using impressive vocabulary. It’s about showcasing values, growth, and potential through authentic storytelling. Applicants who reflect deeply, write vividly, and stay true to themselves leave the strongest impressions.

Gurhan Kiziloz Opens Up on ADHD and Positioning Nexus International for $1.45B

Danielle
-
0
Gurhan Kiziloz Opens Up on ADHD and Positioning Nexus International for $1.45B

Gurhan Kiziloz runs his businesses with a focus on instinct and speed rather than traditional structures and detailed plans. As the founder of Nexus International, he has built his company by moving quickly and embracing risks others might avoid. This style has directly shaped the growth of Nexus International and its various brands, notably Megaposta, which earned $400 million in revenue in 2024. Kiziloz himself has reached a net worth estimated at $700 million, with Nexus International projecting revenues of approximately $1.45 billion by 2025.

At the heart of Kiziloz’s philosophy is momentum, constant forward movement. He prefers making swift decisions, committing substantial resources promptly, and adjusting course as situations develop. Rather than mapping out detailed, long-term strategies, he sees business growth as something fluid and responsive. For him, financial setbacks are part of doing business, providing lessons rather than reasons to doubt his approach. Adaptability, therefore, becomes central, enabling him to handle uncertainty without losing pace.

This emphasis on rapid progress sets a particular rhythm within his teams. Kiziloz expects his employees to keep up with the fast flow of his ideas and decisions. Yet he also recognizes that such speed can create challenges for those who must manage details and structure. To balance this, he delegates day-to-day operational responsibilities to trusted colleagues. Through this arrangement, he maintains the flexibility of his broader strategy, while still preserving the necessary stability in daily operations.

Kiziloz has often mentioned ADHD as a significant influence on his working methods, describing it as integral rather than limiting. He believes that ADHD helps him stay engaged with numerous projects simultaneously, swiftly absorbing information and quickly reacting to new developments. Instead of working against these characteristics, he incorporates them into his leadership approach. As a result, his businesses remain dynamic, favoring responsiveness over rigidity.

His motivation, as he describes it, comes from within. Rather than focusing on external praise or criticism, he is driven primarily by personal ambitions. Chief among these is achieving global financial success and joining the ranks of the world’s most financially successful figures. The growth of Nexus International and Megaposta serves as practical indicators of his progress toward these long-term aspirations.

Ultimately, Kiziloz’s leadership approach differs notably from conventional corporate strategies. Rather than relying on slow and steady planning, he chooses decisiveness, rapid adaptation, and a willingness to embrace uncertainty. This unique blend of speed and flexibility has come to define his career, shaping his businesses and driving continued growth.

Inside the World of Gold Trading with Lance Abrams

Claire James
-
0
Inside the World of Gold Trading with Lance Abrams

With gold prices surging to record highs and global demand reaching unprecedented levels, investors are paying closer attention to the commodities market than ever before. In 2024, total gold transactions hit an all-time high of 4,974 tons, fueled by increased investment demand and aggressive central bank purchases. To better understand the forces driving the gold market today, we spoke with Lance Abrams, a seasoned expert in gold and commodities trading.

Q: Gold has historically been a safe-haven asset. How do you see its role evolving in today’s financial markets?

Lance Abrams: Gold has always been a hedge against economic uncertainty, and right now, we’re seeing a historic level of demand. In 2024 alone, total gold transactions hit nearly 5,000 tons, which is a notable increase from previous years. Central banks are a huge part of this—they’ve been net buyers of gold for the third consecutive year, accumulating over 1,000 tons. Institutions like the National Bank of Poland and Turkey’s Central Bank have made significant purchases, signaling confidence in gold’s long-term value.

On the investment side, gold ETFs saw a 25% surge in demand last year, and retail interest in gold bars and coins remains strong, particularly in China and India. We’re also seeing increasing institutional interest in tokenized gold assets, which could make gold even more accessible to new investors.

With gold prices currently around $2,875 per ounce and predictions that they could surpass $3,000 by year-end, it’s clear that this asset is playing an increasingly strategic role in diversified portfolios.

Q: What major trends are shaping the gold and commodities markets right now?

Lance Abrams: Right now, there are a few major forces shaping gold trading:

  1. Central Bank Demand – Gold has become a priority for central banks looking to diversify reserves away from the U.S. dollar. The fact that institutions like the People’s Bank of China and Turkey’s Central Bank are heavily increasing their holdings reinforces the long-term stability of gold.
  2. Investment Growth – We’ve seen a 25% increase in gold investment, with ETFs leading the charge. But physical demand—gold bars and coins—remains particularly strong in Asia. Retail investors are looking for ways to preserve wealth amid economic uncertainty.
  3. Price Momentum – With gold at record highs and momentum still strong, institutional investors are entering the market in larger volumes. Hedge funds and sovereign wealth funds are also allocating more capital to gold, contributing to its upward trajectory.
  4. Geopolitical Risks – The ongoing geopolitical tensions in Eastern Europe, the Middle East, and trade relations between China and the U.S. continue to push investors toward gold as a safe-haven asset. As long as these uncertainties remain, gold will continue to see strong demand.

Q: Among the many players in the gold trading industry, are there any figures investors should be paying attention to?

Lance Abrams: Absolutely. There are many gold investors that are doing very well and making great trades. Mikhail Peleg is one of them. He’s an incredibly sharp and capable businessman, and he has extensive market connections, which he uses very well.

I’ve heard that he has close ties with BlackRock’s investment fund, which speaks volumes about his ability to navigate high-level investment networks. BlackRock is one of the biggest institutional players in global finance, and anyone with connections at that level is someone worth watching.

Q: For new investors entering the gold market, what advice would you give?

Lance Abrams: Gold investing is different from stocks or crypto. It’s a long-term game, and the key is understanding market drivers. I always recommend:

Diversification – Don’t go all-in on physical gold. Consider a mix of ETFs, mining stocks, and bullion to spread risk.
Paying attention to central banks – If central banks are buying gold at record levels, that’s a strong indicator of future price momentum.
Watching the macroeconomic landscape – Inflation, interest rates, and global tensions all affect gold prices. Stay informed.

And most importantly, be patient. Gold is not about quick wins, it’s about preserving and growing wealth over time.

Q: What’s your outlook for gold in the next 5-10 years?

Lance Abrams: Gold is in a strong position for long-term growth. Analysts already predict prices above $3,000 per ounce, but beyond that, we could see even more upside as central banks continue accumulating reserves.

Additionally, the rise of gold-backed digital assets and tokenized commodities could reshape how investors access gold markets. I also believe that institutional participation will continue increasing, making gold an even more critical part of portfolio management.

Overall, the fundamentals for gold remain incredibly strong, and I expect demand to continue rising well into the next decade.

Gold Prices Hit Over £2,400/oz As Global Uncertainty Fuels Investor Demand

ABC Staff
-
0
Gold Prices Hit Over £2,400/oz As Global Uncertainty Fuels Investor Demand

Amid ongoing global uncertainty, investors are once again turning to gold as a safe haven. Economic volatility, shifting trade policies under President Trump, and persistent inflationary pressures have all contributed to a sharp rise in gold prices. Since early 2024, the price per ounce has surged from around £1,620 to more than £2,400 in April 2025 — an increase that reflects rising investor demand for stability.

Historically, gold performs well during periods of market stress, offering a hedge against inflation and currency devaluation. Today’s climate — marked by unpredictable policy decisions and geopolitical risk — has reaffirmed gold’s reputation as a reliable store of value. As markets continue to react to external shocks, it’s likely that gold will remain in the spotlight for the foreseeable future.

Rather than a speculative play, gold is often seen as a long-term store of value. It doesn’t yield interest, but for many, it offers reassurance during volatile periods. Whether it’s ‘wise’ to invest now really depends on individual objectives and risk appetite, but clearly gold is once again playing a central role in portfolio diversification strategies.

In terms of access, it’s never been easier. Many investors choose to buy physical gold online — in the form of coins or bars — from trusted dealers. These can be delivered or professionally stored. The key is transparency, pricing, and trust: knowing where your gold is, and that you can sell it back when needed. That’s what most people want.

Gold isn’t a get-rich-quick asset. It’s about wealth preservation over time. And in the UK, certain gold coins such as the Britannia or the Sovereign are not only VAT free but also exempt from Capital Gains Tax — which is a huge benefit for private investors.

Gold isn’t a magic bullet, but for those looking for stability, it’s got a great track record of providing exactly that for more than 2,000 years.

This article is based on an interview with Daniel Marburger, CEO of StoneX Bullion

Productivity Hacks for Construction Chief Financial Officer (CFOs)

Claire James
-
0
Productivity Hacks for Construction Chief Financial Officer (CFOs)

​In 2025, construction CFOs are dealing with many challenges like low-profit margins, complicated job costs, and a significant shortage of workers. Even though 71.4% of builders want to make more than 10% profit, only 33.5% did so in 2024, and almost a quarter made no profit. The industry needs about 439,000 more workers this year to keep up with projects. 

In this environment, productivity isn’t just beneficial, but it’s essential. Construction CFOs must use technology and strategic planning to enhance efficiency, ensuring their companies remain competitive and financially strong.

Unique Challenges Construction CFOs Face

​Construction CFOs today face complex challenges that require strategic oversight and advanced financial management. From handling multiple projects to navigating fluctuating costs and stringent compliance requirements, their role is pivotal in ensuring the financial health and success of construction firms.

Managing Multi-Project Financials

Managing several projects at the same time requires careful tracking of money and resources. Each project has its budget, timeline, and set of stakeholders, making it essential for CFOs to have effective systems in place to manage finances across all projects.

Real-Time Job Costing Across Teams

Accurate and timely job costing is important in the construction industry, where delays in financial data can lead to budget overruns and project delays. CFOs must implement systems that provide real-time insights into labor, materials, and overhead costs to make informed decisions promptly.​

Labor, Materials, and Subcontractor Fluctuations

The construction sector is highly affected by fluctuations in labor availability, material costs, and subcontractor reliability. These variables can significantly impact project budgets and timelines, requiring CFOs to develop flexible financial strategies to accommodate such uncertainties.​

Compliance & Reporting Complexity

Navigating the complex landscape of regulatory compliance and reporting standards is a significant challenge for construction CFOs. They must ensure adherence to various financial regulations and reporting requirements, which necessitates a deep understanding of the legal landscape and the implementation of comprehensive compliance frameworks.​

7 Productivity Hacks for Construction CFOs

As construction projects grow in complexity, CFOs must find innovative ways to boost productivity and optimize resources. Here are seven essential hacks that can transform your financial workflows and drive success.

Hack #1: Automate Job Costing and Budget Tracking

Construction CFOs can save many hours and avoid costly mistakes by automating job costing and budget tracking, two of the most critical financial functions in any project. Sage 300 software puts all your project financial data in one place and shows you real-time updates on what you’ve spent, promised to spend, and still owe.

Manual reconciliation not only drains time but also introduces the risk of human error, errors that can ripple through to profit margins and decision-making. By automating these processes, construction firms can eliminate discrepancies between field and office data, making it easier to stay on budget and schedule.

Moreover, it offers dynamic Work-in-Progress (WIP) reports and budget variance alerts, ensuring CFOs can spot red flags early and course-correct in real time. This level of automation not only improves accuracy but also empowers CFOs to focus more on strategic financial leadership instead of getting bogged down in spreadsheets.

Hack #2: Build Custom Dashboards for Real-Time Visibility

Having real-time access to key performance indicators (KPIs) is a game-changer for any construction CFO. Custom dashboards allow financial leaders to monitor critical metrics like job profitability, cost-to-complete, labor hours, and cash flow, across multiple projects in one centralized view. These dashboards can be set up to show the financial and operational data that matters most to your business, saving time spent searching through spreadsheets or old reports.

Modern construction financial platforms and project management tools offer deep integrations that support customizable, visual dashboards. Many of these tools also feature mobile access, enabling remote teams and on-the-go executives to stay aligned and informed, whether they’re at the office, on-site, or traveling between meetings. With real-time insights, CFOs can make faster, data-driven decisions and proactively address issues before they escalate.

Hack #3: Streamline Subcontractor & Vendor Payments

Delays in subcontractor and vendor payments can damage relationships and slow down project progress. That’s why optimizing your accounts payable workflows is essential. By digitizing payment processes and setting up electronic payments and approval workflows, CFOs can reduce manual bottlenecks and ensure timely payments.

Automated AP systems allow for better tracking of invoices, faster approvals, and fewer errors, all while maintaining a clear audit trail. These tools also make it easier to manage multiple vendors and subcontractors simultaneously, reducing administrative overhead and improving payment accuracy. The result? Smoother operations, stronger partnerships, and better control of cash flow are all important for keeping productivity high in busy construction environments.

Hack #4: Integrate Field Data with Accounting

One of the biggest productivity problems for construction CFOs is the difference between what’s happening on the job site and what appears in the accounting system. When field teams and office staff work in separate systems, it often leads to manual data entry, delays, and errors.

By connecting your project management tools with your accounting platform, you can eliminate the need to re-enter data from daily field reports, timecards, or material logs. This sync between the field and finance ensures that costs, labor hours, and progress updates are always accurate and up to date.

The return on investment (ROI) is clear: fewer mistakes, faster decision-making, and better control over project budgets. When field data flows directly into your financial system, CFOs get a real-time, trustworthy picture of every project’s health, without the guesswork.

Hack #5: Use Report Scheduling and Alerts to Stay Ahead

In construction finance, timing is everything. Instead of waiting until the end of the month to run reports manually, CFOs can save time and avoid surprises by scheduling reports in advance. Set up automatic delivery of key reports like job performance summaries, cash flow statements, and billing updates to land right in your inbox on a set schedule.

Along with that, use smart alerts to stay on top of critical changes, like when a budget is at risk of being exceeded, or if an invoice hasn’t been sent on time. These alerts act like early warning signals, helping you catch issues before they become costly problems.

With scheduled reporting and real-time notifications, CFOs can stay proactive, make informed decisions faster, and keep every project running more smoothly.

Hack #6: Embrace a Cloud-Connected Workflow

Today’s construction CFOs don’t just sit behind a desk; they need access to financial data anytime, anywhere. Moving to a cloud-connected system makes that possible. Whether working from home, traveling between sites, or leading a remote team, cloud access ensures you’re never out of touch with your numbers.

A hosted or cloud-based workflow gives CFOs real-time visibility into budgets, expenses, and forecasts. It also allows for seamless collaboration between accounting teams, project managers, and field supervisors. Everyone stays on the same page, decisions get made faster, and there’s no more waiting around for file updates or email attachments.

Cloud tools not only improve flexibility but also boost data security and reduce the risk of lost files or system crashes. It’s a modern must-have for construction finance teams looking to stay competitive and productive.

Hack #7: Eliminate Spreadsheet Chaos with Centralized Reporting

Relying too much on spreadsheets can quickly turn into a nightmare, especially when multiple projects are flying around and small errors lead to big mistakes. Instead of managing Excel files, smart CFOs are turning to centralized reporting systems that pull data directly from a single, trusted source.

Using tools like SQL-based reports, Crystal Reports, or advanced business intelligence (BI) platforms, construction finance teams can create powerful dashboards, detailed job summaries, and custom financial reports without the manual work. These systems help eliminate version conflicts, reduce errors, and save hours each week on data prep.

By moving away from spreadsheet overload and toward a unified reporting structure, CFOs gain clearer insights, stronger control, and more time to focus on strategy, not formulas.

Daily Habits of High-Performing Construction CFOs

Experienced construction CFOs stay ahead by using a few easy but effective habits:

  • 15-minute KPI reviews: Each day, they take just 15 minutes to check key numbers like job progress, costs, and profits to stay on track.
  • Weekly cash flow check-ins: Once a week, they review how much money is coming in and going out to avoid surprises and keep projects running smoothly.
  • Bi-weekly job cost variance reviews: Every two weeks, they compare expected job costs to actual spending to catch any issues early.
  • Monthly subcontractor performance evaluation: Once a month, they review how well subcontractors are doing in terms of budget, deadlines, and quality to make better hiring and planning decisions.

Bonus Hack: Champion Digital Transformation in Your Firm

As a construction CFO, you’re in the perfect position to lead the charge in digital transformation within your company. By driving change in the back office, you can streamline processes, reduce errors, and improve overall efficiency.

To succeed, it’s important to foster buy-in from executives and operations. Show how digital tools can improve decision-making, reduce costs, and save time. Involve key stakeholders early, and make sure everyone understands the long-term benefits of the transformation.

In the construction industry, we’ve seen powerful examples of digital transformation, such as automated job costing systems, cloud-based project management, and integrated financial dashboards. These tech changes not only help track costs more accurately but also improve communication between the field and office, making projects run more smoothly from start to finish. By championing this change, CFOs can set their firms up for future growth and success.

Conclusion

In conclusion, construction CFOs have a critical role in shaping the financial future of their firms. By using modern tools and strategies like automating job costing, integrating real-time field data, and encouraging digital transformation, CFOs can boost productivity, reduce costs, and improve financial oversight. The key to success is leading change, staying ahead of risks, and adopting technology that streamlines operations, creating a more agile, efficient, and profitable business.

As the construction industry continues to evolve, those CFOs who embrace these productivity hacks will be better positioned to meet the challenges of tight margins, fluctuating labor, and complex job costing. With the right systems in place, they can not only manage financials more effectively but also drive the broader transformation that will ensure long-term growth and success in an increasingly digital world.

FAQs

  1. How can a construction CFO improve productivity daily?

CFOs can improve productivity by reviewing key performance indicators (KPIs) daily, checking cash flow weekly, and performing job cost variance reviews every two weeks. These habits ensure quick decision-making and issue detection.

  1. What are some digital tools construction CFOs should adopt?

CFOs should consider cloud-based financial systems, automated job costing, real-time dashboards, and reporting tools to streamline operations and reduce manual work.

  1. How can CFOs lead digital transformation in their firm?

CFOs can champion digital transformation by showing how technology improves financial management, involving key stakeholders early, and implementing systems like cloud-based project management and automated reporting.

  1. Why is real-time data integration important for construction CFOs?

Real-time data integration allows CFOs to have accurate, up-to-date financial insights, reducing errors, improving decision-making, and ensuring better project control and efficiency.

  1. What role do subcontractor performance evaluations play in financial management?

Evaluating subcontractor performance monthly helps CFOs stay on budget, ensure quality, and maintain timelines, leading to better cost control and fewer surprises in project finances.

Policy Changes Spark Debate Over the Future Structure of NHS Services

Claire James
-
0
Policy Changes Spark Debate Over the Future Structure of NHS Services
  •     UK healthcare is showing signs of gradual change, with increased private sector involvement and growing concerns about access and affordability.
  •     Policy shifts and longer NHS wait times are prompting more people to explore private alternatives, hinting at a system moving closer to US-style models.
  •     These trends risk widening health inequalities and eroding the principle of care based on need rather than ability to pay.
  •     Public awareness and engagement remain key to protecting the NHS’s core values and ensuring that future reforms are fair.

In recent years, this question has become increasingly prevalent, especially among people who have long regarded the National Health Service as a symbol of equality and care for all. Are we slowly watching the UK healthcare system drift toward something more… American?

Between funding challenges, growing NHS waiting lists, and the increasing involvement of private providers, the debate has gained momentum. It’s no longer just a theoretical conversation for health policy experts—it’s something that’s beginning to touch the lives of everyday patients. If you’ve found yourself wondering why seeing a GP feels harder than it used to, or why more people are turning to private treatment, you’re not alone.

This blog explores the key differences between the UK and US systems, the subtle changes occurring on British soil, and why it might be time to pay closer attention.

Key Differences Between UK and US Healthcare Systems

Let’s start with the basics. Historically, the UK and the US have been very different when it comes to healthcare. The UK’s NHS, launched in 1948, was founded on a bold idea: that good healthcare should be available to all, regardless of wealth. Funded by taxes and free at the point of use, it’s long been seen as one of the most egalitarian health systems in the world.

Now compare that with the United States. There, healthcare is mainly delivered through a patchwork of private insurers, employer-sponsored plans, and out-of-pocket payments. Coverage is often tied to employment, and even then, deductibles and premiums can be high. If you don’t have insurance—or don’t have good insurance—you’re left navigating one of the most expensive systems in the world.

So far, so straightforward. But where things get interesting is how those two systems are beginning to blur—at least in practice. While the UK remains officially committed to the NHS model, cracks are starting to show. Private options are expanding, and for some, the wait for NHS care has become long enough that they’re looking elsewhere. When people start pulling out their wallets for care, even in small numbers, it shifts the landscape.

A Subtle Shift Toward Marketisation in the UK

If you’re noticing more ads for private clinics or hearing more people say they’ve “gone private,” it’s not just anecdotal. The numbers back it up. Private healthcare spending in the UK has been steadily rising over the last decade. NHS backlogs, particularly following the pandemic, have created an opportunity for private providers to step in. And increasingly, people are taking that route—not necessarily because they want to, but because they feel they have to.

That brings us to a newer development that mirrors a familiar aspect of US healthcare: financing options. Private providers in the UK are now offering medical loans with flexible payment plans for patients who can’t afford treatment upfront. Whether it’s a hip replacement or dental surgery, more clinics are making it easier for individuals to spread the cost over time. Sounds convenient, right? But it also raises some big questions about where we’re heading.

When access to healthcare starts to depend on credit checks or long-term repayment plans, we start crossing into territory that feels a lot more like the United States. It might begin with elective procedures, but the line can blur fast. Once payment plans become normalized, the idea of “free at the point of use” starts to lose its power.

This isn’t about some grand political shift overnight—it’s more about the slow normalisation of privatised solutions. And it’s happening under the radar for many.

Consequences of a US-Inspired Healthcare Approach

So what happens if we keep moving in this direction?

The US model is often cited as a cautionary tale regarding healthcare costs. In this system, even a minor accident can result in a mountain of bills. While the quality of care can be high, access to it is another story. Insurance coverage doesn’t always mean full coverage, and for many Americans, financial stress is a constant part of navigating the system.

In the UK, one of the NHS’s founding principles has always been fairness—that healthcare should be based on need, not the ability to pay. However, if we edge toward a system where access to timely care relies on whether you can afford to go private or qualify for credit, that principle starts to slip away.

We may be witnessing the emergence of a two-tier system, where wealthier individuals have faster and broader access to treatment, while others wait longer and face more limitations. That kind of divide doesn’t just affect individuals—it shapes public health outcomes. Countries with more inequality in healthcare tend to see higher rates of preventable illness, worse chronic disease management, and even lower life expectancy for some groups.

Healthcare professionals are also sounding the alarm. Many in the NHS are raising concerns that underfunding and creeping privatisation are undermining morale and driving staff out of the system. The more pressure is placed on public services, the more appealing the private alternative becomes—and the wider the gap becomes.

In short, a healthcare model that begins to mirror the US has more than just cost implications. It also reshapes the values that have defined UK healthcare for generations.

The Public’s Role in Shaping the Future

Here’s the good news: this isn’t a runaway train. Public pressure has shaped the UK’s healthcare system before, and it can do so again.

The NHS didn’t emerge out of thin air—it was built through years of public demand and political will. If there’s growing concern about the direction things are heading, it’s up to all of us to speak up. That might look like supporting advocacy groups, voting on policies that protect public healthcare, or even just staying informed about the changes happening around us.

There’s also power in small decisions. Opting to use NHS services when you can, asking questions about private alternatives, and challenging the idea that fast equals better—all of these help reinforce the value of a system built on care, not commerce.

Let’s be real: conversations like this matter. The more people discuss the shift, the more difficult it becomes to implement these changes quietly.

No one is saying the NHS is perfect or that reform isn’t necessary. But there’s a difference between modernising and Americanizing, and that distinction deserves serious attention.

Conclusion

The idea that UK healthcare might be inching closer to the American model isn’t just an abstract policy debate anymore. It’s manifesting in longer wait times, new private options, and the quiet financial decisions patients are being forced to make. None of this means the NHS is going to disappear, but it does suggest that its identity is shifting.

Whether that shift continues—and how far it goes—will depend on more than just policymakers. It will be shaped by patients, voters, and everyday citizens who decide what kind of healthcare system they believe in. Because at the heart of this issue isn’t just a question of money or efficiency—it’s a question of values.

The real challenge? Making sure that change doesn’t happen so slowly and subtly that we only realise what we’ve lost once it’s gone.

1...575859...990Page 58 of 990

ABC Money 2025 - 1st Edition

Magazine - 2025 Edition

Explore the latest insights, trends, and expert analyses in finance with ABC Money 2025. Stay ahead in 2025!

LEARN MORE

Leading news network for crypto, finance and business.

More from ABC

Contact

Contact: advertise@abcmoney.co.uk © ABC Money Team @ 2006

  • bitcoinBitcoin (BTC) $ 107,689.00 1.36%
  • ethereumEthereum (ETH) $ 2,502.74 2.72%
  • tetherTether (USDT) $ 1.00 0%
  • xrpXRP (XRP) $ 2.22 1.39%
  • bnbBNB (BNB) $ 652.80 0.73%
  • solanaSolana (SOL) $ 146.64 2.43%
  • usd-coinUSDC (USDC) $ 0.999904 0%
  • tronTRON (TRX) $ 0.282509 0.43%
  • staked-etherLido Staked Ether (STETH) $ 2,501.67 2.6%
  • cardanoCardano (ADA) $ 0.571875 2.77%
  • avalanche-2Avalanche (AVAX) $ 17.74 3.71%
  • the-open-networkToncoin (TON) $ 2.78 2.5%
Enable Notifications OK No thanks